Interest-Earning Accounts: Rates and APYs

Smart Account (NOW Account)

	Now Account	Now Account (Tiered)
Annual Percentage Yield (APY)	0.125%	0.250%
Balance to Earn Minimum APY	$10.00
Minimum to Open Account	$10.00
Interest Rate	0.125%	0.250%
Compounding Method	Daily
Other Interest Features	Balance up to $2,500	Balance over $2,500

Money Market Account

	Money Market Account	Money Market Account (Tiered)
Annual Percentage Yield (APY)	0.250%	0.750%
Balance to Earn Minimum APY	$10.00
Minimum to Open Account	$10.00
Interest Rate	0.250%	0.750%
Compounding Method	Daily
Other Interest Features	Balance up to $2,500	Balance over $2,500

All APYs and Rates are accurate as of December 10, 2007 and are subject to change without notice. Any Annual Percentage Yield (APY) provided in this disclosure assumes interest will remain on deposit for at least one year. Fees and withdrawals will reduce earnings Fixed rates for accounts with no specific maturities are in effect for 30 days from the effective date disclosed above. Fixed rates for accounts with specific maturities are in effect until maturity. Rates for variable rate accounts are in effect through the effective period disclosed above. See your account disclosures for additional information about your account. Current rate information can be obtained by calling any of our offices.